Gibsland Bank & Trust Company
Gibsland, LA · Cert 16689 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Gibsland Bancshares Inc.
State charter, non-member · FDIC · 13 branches
Q2 2026
$574.3MAssets
$427.7MLoans
$459.0MDeposits
$93.0MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 90% of banks under $1B in assets operating in a single state (rank 74 of 746).
- Widest gap: net charge-offs / loans trails 82% of banks under $1B in assets operating in a single state (rank 611 of 743).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.33%
Rank 238 of 746
Net Interest Margin
4.31%
Rank 138 of 746
Efficiency Ratio
67.30%
Rank 425 of 746
Equity / Assets
16.20%
Rank 74 of 746
Non-interest income vs. expense
Unfavorable gap of $15.5M · efficiency ratio beats 43% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.33% | 0.72% | 1.06% | 1.45% | Beats 68% | 238 / 746 | |
| Return on Equity | 8.24% | 6.74% | 10.51% | 13.63% | Beats 35% | 483 / 746 | |
| Net Interest Margin | 4.31% | 3.17% | 3.68% | 4.16% | Beats 82% | 138 / 746 | |
| Efficiency Ratio | 67.30% | 55.74% | 64.58% | 75.47% | Beats 43% | 425 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.61% | 0.09% | 0.42% | 1.07% | Beats 42% | 431 / 743 | |
| Net Charge-Offs / Loans | 0.08% | 0.00% | 0.01% | 0.05% | Beats 18% | 611 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 16.50% | 11.55% | 13.75% | 17.60% | Beats 70% | 223 / 746 | |
| Total Risk-Based Capital Ratio | 16.50% | 11.71% | 14.33% | 18.43% | Beats 67% | 248 / 746 | |
| Equity / Assets | 16.20% | 8.90% | 10.51% | 13.06% | Beats 90% | 74 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 93.17% | 61.31% | 78.27% | 90.78% | 80th pctl | 150 / 746 | |
| Loans / Assets | 74.46% | 53.60% | 66.97% | 76.08% | 69th pctl | 228 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |